Mortgage Loan Processor

Coastal Community Federal Credit Union • La Marque, TX

4d • Onsite

About The Position

The Mortgage Loan Processor is responsible for managing loan files from application through closing, ensuring accuracy, compliance, and timely progression of mortgage loans. This role coordinates with loan officers, underwriters, title companies, and borrowers to collect documentation, verify information, and resolve outstanding conditions so loans close on schedule.

Requirements

• 2+ years processing residential mortgage loans preferred
• Experience with conventional, FHA, VA, and USDA programs a plus
• High school diploma or GED required
• Associate degree or relevant certification preferred
• NMLS or mortgage-processing certifications are advantageous but not required
• Proficiency with loan origination systems (e.g., Encompass) and MS Office
• Familiarity with TRID, RESPA, ECOA, and other mortgage regulations
• Strong accuracy in document review and data entry
• Ability to manage multiple files and deadlines in a fast-paced environment
• Clear, professional verbal and written communication with internal and/or external stakeholders
• Proactive in identifying issues and driving resolution
• Empathetic and responsive when working with borrowers
• Collaborative approach with loan officers, underwriters, and closing partners

Responsibilities

• Open, organize, and maintain complete loan files in the loan origination system.
• Request, receive, and verify borrower documents (income, assets, employment, credit, property) and ensure they meet program guidelines.
• Order and review credit reports, appraisals, title work, flood certifications, and verifications of employment and assets.
• Track underwriting conditions; prepare and submit clear, well-documented responses to underwriter requests.
• Serve as primary point of contact for borrowers, loan officers, real estate agents, and third-party vendors; provide timely status updates.
• Ensure files comply with federal and state requirements and internal policies; maintain accurate audit trails.
• Prepare closing packages, coordinate with escrow/title, and confirm funding instructions and disbursements.
• Review files for completeness and accuracy prior to closing; identify and escalate potential issues.
• Maintain pipeline reports and contribute to metrics such as turn times, clear-to-close rates, and closing accuracy.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED